Natural disaster risk FEMA

Washington, DC natural disaster risk

Washington, DC ranks #49 of 51 from safest. Its biggest relative risks are heat wave, earthquake, strong wind.

Risk score
97.6
Among the highest of U.S. counties
Expected loss per resident
$425
per year, all hazards
Home insurance (median)
$1,168
per year with a mortgage, ACS 2024
Highest relative risks in Washington, DC (national percentile)
Higher risk than most U.S. counties
Heat wave99
Earthquake98
Strong wind98
Riverine flooding97
Hail97
Winter weather97

The vertical line marks the middle of U.S. counties (50).

Risk in Washington, DC's largest counties

CountyPopulationRisk scoreFEMA rating
District of Columbia681,29497.6Relatively High

County scores are averages, and the insurance figure above is what owners with a mortgage reported paying in 2024 (Census American Community Survey); premiums have risen since, especially in high-risk areas. For a specific home, check the address on FEMA's flood map and get insurance quotes before you commit. Our guide explains how to check natural disaster risk before you move.

Lowest-risk counties in Washington, DC

Cities in Washington, DC

Frequently asked questions

Is Washington, DC safe from natural disasters?

Washington, DC's population-weighted FEMA risk score is 97.6 out of 100 (among the highest of U.S. counties), #49 of 51 from safest. About 100% of residents live in counties FEMA rates relatively high or very high.

What natural disasters happen in Washington, DC?

The highest relative risks in Washington, DC are heat wave, earthquake, strong wind (national percentile scores 99, 98, 98).

Where is the safest place to live in Washington, DC?

Among counties with at least 20,000 people, the lowest FEMA risk scores are in District of Columbia.